What You Need to Know About the BJs Credit Card: Save Even More at BJ's Wholesale + Up to 5% Back in Rewards
Explore the details and key benefits of the BJ's credit card, including cash-back rewards, fuel discounts, and exclusive perks.
If you want to boost your savings at BJ’s Wholesale Club membership, consider the BJ's card. This card gives members cash-back rewards, fuel price reductions, and exclusive benefits. This piece will detail the primary advantages, qualifications needed for eligibility, and procedures for applying for the BJ's credit card.
The New BJ's One Mastercard and One+ Mastercard
The BJ’s Wholesale Club has introduced two attractive credit card offerings: the BJ’s One Mastercard and the BJ’s One+ Mastercard. These cards are provided through a joint venture with Capital One and Mastercard International Incorporated, offering a trusted payment option that is accepted virtually everywhere.
When using either of these credit cards from BJ’s, cardholders can earn rewards on all BJ's purchases made benefit from reduced prices on gasoline, and gain access to exclusive benefits and membership deals available only to those who carry these specific cards.
Eligibility and Annual Fee for BJ's Wholesale Club Credit Cards
To apply for a BJ’s Wholesale Club credit card, you must first hold membership with the club. The type of membership tier you enroll in determines which specific BJ’s Mastercard you can obtain. An annual fee of $55 for a regular Club Card Membership qualifies one for the basic BJ’s One Mastercard,
Upgrading to a premier level at an annual fee of $110 as part of BJs’ Club+ Card Membership makes one eligible for the enhanced BJ’s One+ Mastercard.
Reward Rates and Benefits
BJ’s credit cards offer a rewards system tailored to help you save on purchases made inside the club and on your day-to-day spending. The BJ’s One Mastercard program alone provided members with over $100 million in rewards this year, underscoring how much users can benefit and economize when using these cards for their transactions.
BJ's One Mastercard Rewards
Cardholders of the BJ’s One Mastercard can accrue rewards at an impressive rate, receiving a 3% return rate on qualifying purchases made at BJ’s stores. This feature makes it particularly advantageous for those who frequently shop at BJ’s.
This card rewards a rate of 1.5% on all other transactions outside of BJ’s establishments to ensure that every purchase is rewarding. Members also benefit from savings when refueling their vehicles with a discount of $0.10 per gallon offered exclusively at BJ’s Gas stations.
BJ's One+ Mastercard Rewards
Enhancing its rewards program, the BJ’s One+ Mastercard offers a 5% return on most purchases made at BJ’s. This elevated earning rate is ideal for frequent shoppers who make considerable transactions. When using the card for everyday expenses outside of BJ’s, customers receive a steady 2% back in rewards on all other spending.
Those possessing the BJ’s One+ Mastercard cardholders are entitled to additional perks:
- A saving of $0.15 per gallon at any BJ’s Gas establishment
- The opportunity to reap an outstanding 10% back in rewards during designated promotional periods
- Unlimited earnings potential on qualified purchases without any restrictions
These advantages confirm that securing a new BJ’s One++ is an advantage. Mastercard is both economically advantageous and rewarding for consumers.
How to Redeem Your BJ's Wholesale Club Rewards
Redeeming rewards earned through BJ's credit cards is a straightforward process to maximize your savings. Here's how you can take advantage of your earned rewards for their products and additional service benefits:
- In-Store Purchases: When shopping at any BJ's Wholesale Club location, simply present your BJ's credit card at checkout. The accumulated rewards will automatically be applied to your purchase, reducing your total cost.
- Online Shopping: If you prefer to shop online, log into your BJ's account on their official website. During the checkout process, you can apply your accrued rewards to your purchase, providing instant savings.
- Membership Fees: You can also use your rewards to offset the cost of your BJ's membership renewal. This is a great way to ensure you continue enjoying all the benefits of being a BJ's member without the out-of-pocket expense.
- Gas Purchases: If you frequently refuel at BJ's Gas stations, your rewards can be used to lower your fuel costs. Just swipe your BJ's credit card at the pump, and your rewards will be applied to your gas purchase.
The flexibility in redeeming your rewards ensures that you can make the most of your BJ's credit card benefits, whether you are shopping for groceries, renewing your membership, or filling up your gas tank.
Additional BJ's One Cardholder Perks
The use of BJ’s credit cards extends additional benefits beyond just rewards. One significant benefit is the absence of foreign transaction fees, which is particularly advantageous for those who travel internationally.
Cardholders also access exclusive offers on alcoholic beverages, lottery tickets, and other products, including online optical purchases, through the BJ’s app, which provides special deals and promotions tailored to their shopping preferences.
In addition to shopping benefits, BJ’s One Mastercard cardholders can enjoy the following perks:
- Earn double rewards during special promotional events, reaching up to 6% back on rewards
- Access to exclusive travel deals, including up to a $500 BJ’s gift card when booking qualifying cruises
- BJ’s Travel 110% Best Price Guarantee
- Significant savings on hotel reservations and car rentals
How to Apply for a BJ's Credit Card
Applying for a BJ’s Wholesale Club credit card is straightforward. You can apply digitally via the official website of BJ’s or physically at any location of BJ’s Wholesale Club. The application will request details, including your complete name, residential address, and date of birth. Your social security number is also essential, so be prepared to provide it.
When completing your application form, you must provide information regarding your employment status and income levels. These particulars are crucial as they help assess whether you qualify for the credit card and determine your credit limit.
Not yet sure if a BJ's membership and card is right for you? Read or deep dive on Costco vs. Sam's Club vs. BJ's to explore the advantages each club has to offer.
Other Helpful BJ's Wholesale Information for Shoppers
Picking up the best deals is important, but there are other helpful tips and tricks that will ensure that you maximize your overall BJ's shopping experience. Read on to discover some of our best advice! (Click the blue links to read more on each topic.)
- BJ's Wholesale Membership - Membership is required at BJ's and so you'll want to make sure you score a deal on that as well! The basic membership is regularly $55, but here's a $20 deal you won't want to miss!
- BJ's Fuel Saver Program - It probably requires gas to get to your local BJ's Wholesale, but did you know they can help you save there as well? You'll definitely want to check out their BJ's Fuel Saver Program and discover how to score your fuel for less.
- Additional BJ's Wholesale Membership Benefits - Membership to shop at BJ's is the obvious perk, but did you know there are other services that your membership afford you — ones many may not even realize are included. You'll definitely want to check out these additional perks!
- BJ's Coupon Policy - Familiarizing with BJ's Coupon Policy will allow you to maximize your savings. They accept both BJ's-issued and manufacturer coupons...and you can use one of each on a single item. That's savings you won't want to miss, so make sure you read up on their policy!
- BJ's Shopping Strategies - The ins and outs of shopping at BJ's can be summed up with our 7 shopping hacks. With these hacks, you'll be able to quickly and easily make the most of your shopping trip. Plus, discover some of the best buys at BJ's
- Best Time to Shop BJ's - Sometimes the the time of day can make or break your shopping experience. Discover the best days and times to shop to ensure your trip is the best it can be!
BJs Credit Card: FAQs
What are the two credit cards offered by BJ's Wholesale Club?
Members of BJ’s Wholesale Club can take advantage of the benefits provided by the BJ’s One Mastercard and the BJ’s One+ Mastercard, which are offered exclusively to club members.
Do you need to be a BJ's member to apply for the credit cards?
Holding a membership with BJ's is mandatory to apply for any of BJ’s credit cards. Being a member is an essential prerequisite for the application process.
What determines which BJ's credit card you are eligible for?
Your membership level determines your eligibility for a BJ’s credit card. Based on your tier within the membership structure, choose the most appropriate card.
Can you redeem the rewards earned with BJ's credit cards for cashback?
No, the rewards can exclusively be redeemed for purchases at BJ’s and for membership fees.
What happens if you cancel your BJ's membership?
Should you decide to terminate your BJ’s membership, you can still use the associated credit card and continue accruing rewards. However, any in-store purchases at BJ’s without an active membership will be subject to a 20% non-member fee. Shopping access on BJs.com will no longer be available.